Welcome to Charter One. This site is screen reader friendly.

Skip to content Skip to main navigation Skip to main sub navigation Skip to footer navigation
You May Also Be Interested In...


Home Equity Loans and Lines of Credit

Open a fixed-rate home equity loan or variable line of credit to get the funds you need

If you’re facing expensive bills or need to consolidate debt, your home can be your most valuable asset. If you’ve paid down a portion of your mortgage, you may be able to access the difference in the form of a home equity loan or home equity line of credit. Once you have these funds, you can use them towards expenses like home improvements, education, vehicles or debt consolidation. Learn a little bit more about our fixed-rate home equity loans and variable-rate home equity lines of credit to determine which option is better for you. No matter which you choose, you’ll receive lower rates than you’ll find on other loans because your home acts as collateral.

Compare home equity loans and lines.

Borrowing Objectives Home Equity Loan Home Equity Line of Credit
Fixed monthly payments N/A
Choice of term length N/A
Fixed interest rate N/A
Access borrowed funds Lump sum As needed
Refinance existing debt
Loan for home improvements
  Act now More info Act now More info

Additional benefits of home equity loans and lines of credit:

  • Interest may be tax-deductible*
  • Fast decisions on home equity loans and lines of credit
  • Fixed-term, fixed-rate home equity loans for borrowing a specific amount
  • Home equity line of credit for whatever you need, whenever you want, simply by writing a check
  • Start the process online by answering a few questions and a Home Loan Advisor will contact you to complete the application.
  • Borrowing Benefits for Charter One Circle Gold Banking™ Customers

Learn more about our home equity products.

Check out our other personal banking products:



We're here to help

Buy or Refinance:

Get started online
or call 1-866-612-6206
FRI: 8 AM - 6 PM
SAT: 9 AM - 3 PM
Mortgage Servicing:

Home Equity:

Get started online
or call 1-888-333-0687
FRI: 8 AM - 6 PM
SAT: 9 AM - 3 PM

Give us some basic info and we'll give you a call.


Find a branch or ATM


NMLS ID# Search Tool

Access our colleagues' NMLS ID#


Circle Gold Customers Save

Save on your mortgage or home equity interest rate with automatic monthly payment from a Circle Gold Checking Account.



All accounts, loans and services are subject to individual approval.

* Consult your tax advisor for tax benefits.